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Journal : Al-Muhasib: Journal of Islamic Accounting and Finance

Konvergensi Finansial Syariah: Sinergi Emas, Inklusi Digital, dan Ketahanan Sosial-Ekonomi dalam Praktik Pegadaian Syariah: (Islamic Financial Convergence: Gold Synergies, Digital Inclusion, and Socio-Economic Resilience in Islamic Pawnshop Practices) Zainuddin, Moch; Andriani, Andriani; Amrul Mutaqin
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 5 No. 1 (2025)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/al-muhasib.v5i1.2233

Abstract

Abstract: This study aims to analyze the role of Pegadaian Syariah as a gold bank in promoting asset diversification, monetary stability, and digital financial inclusion in Indonesia, while examining their impact on community economic resilience. The research employs a descriptive qualitative approach with interdisciplinary analysis, combining literature review, field surveys, and policy analysis. Pegadaian Syariah, as a gold bank, offer innovative solutions to enhance economic resilience amidst exchange rate fluctuations. Findings indicate that Gold Bank products, such as gold savings and instalment plans, help communities mitigate inflation risks, with 72% of respondents considering gold as a stable long-term investment. Data analysis reveals that 65% of respondents prefer gold over cash due to concerns about exchange rate volatility. Digital services from Sharia Pawnshops improve accessibility with an 80% satisfaction rate, although digital literacy remains a challenge. The study concludes that Sharia-based Gold Banks effectively strengthen economic stability through asset diversification and digital financial inclusion. These findings recommend enhancing financial education and inter-institutional collaboration to optimize benefits. The research makes significant contributions to developing inclusive financial models in developing countries. Abstrak: Penelitian ini bertujuan menganalisis peran Pegadaian Syariah sebagai Bank Emas dalam mendorong diversifikasi aset, stabilitas moneter, dan inklusi keuangan digital di Indonesia, serta mengkaji dampaknya terhadap ketahanan ekonomi masyarakat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan analisis interdisipliner yang menggabungkan kajian literatur, survei lapangan, dan analisis kebijakan. Pegadaian Syariah sebagai Bank Emas menawarkan solusi inovatif untuk meningkatkan ketahanan ekonomi di tengah fluktuasi nilai tukar. Hasil penelitian menunjukkan bahwa produk Bank Emas seperti tabungan dan cicil emas membantu masyarakat mengurangi risiko inflasi, dengan 72% responden menganggap emas sebagai investasi jangka panjang yang stabil. Analisis data mengungkap 65% responden lebih memilih emas daripada uang tunai karena kekhawatiran terhadap fluktuasi nilai tukar. Layanan digital Pegadaian Syariah meningkatkan aksesibilitas dengan tingkat kepuasan 80%, meski literasi digital masih menjadi tantangan. Bank Emas berbasis syariah terbukti efektif dalam memperkuat stabilitas ekonomi melalui diversifikasi aset dan inklusi keuangan digital. Temuan ini merekomendasikan penguatan edukasi finansial dan kolaborasi antar lembaga untuk optimalisasi manfaat. Penelitian memberikan kontribusi penting bagi pengembangan model keuangan inklusif di negara berkembang.  
Co-Authors -, Maison AA Sudharmawan, AA Abarahan, Anmisuhailah binti Abdul Azis Abdul Ghofur Abdul Hadi Abdul Hakam Abdul Qolik Ade Putra Adnan, Mohammad Arfandi Afdol, Pangeran Afriliansyah, Teuku agrita, tri wera Agus Nugroho, Soewignjo Agus Suwarno, Agus Agustina Agustina, Dini Rahma Ah Yusuf, Ah Alifiansyah, Eldi Alqadri, Farid Amali, Amali Amelia, Iis Amelinda, Ria Ampera Miko Amri, Rafelina Amrul Mutaqin Andius Dasa Putra Anita Suharyani Anjani, Namira Nurma Anwar Arbi Aprillia, Riska Putri Ariani, Peny Ariescha, Putri Ayu Yessy Aripin Ahmad, Aripin Arnangngi, Ratno Aryani, Peny AS.A., Mestawaty Ashabul Kahpi Askurun, Yurike Sofiana Asmaul Husna Asmuji Asmuji Asrikayana, Asrikayana Azhari Azhari Azis, Sulihin Azzahra, Nur Inaayah Baitulloh, Sabit Bamba, Anike Langi Basrah, Miftahul Jannah Basri, Salman Basyirah Ainun Batubara, Hamidah Sari Boyosa, Viola De Bryan, Vicky Budi Yanto, Budi Butsianto, Sufajar Dani, Rahma Darma, Darma Darmawan, Heru Darmawan, Sri Darmawansyah, Farid Daud Yusuf Dewi Kurniati Dewi, Dyan Roshinta Laksmi Dewi, Susi Fitria Dharmawan, Dimas Dwireno Dian Sidik Arsyad Diyan Indriyani, Diyan Edy Widodo Effiana, Effiana Eka Fitriawati Eko Ganis Sukoharsono Elmina Tampubolon Elsa Eka Putri ELVANDARI, EFITA Erfina, Erfina Esther Sanda Manapa Fadhilah Hidayatullah, Fadhilah Fadhillah, Rizky Fadliya, Fadliya Fatchan, M. Fatchan Fauzan . Febrianty, Eva Febrin Anas Ismail Feriana Putri, Citra Fitrianingsih, Julia Florentina Ratih Wulandari Ghofur, Muh. Abdul GS , Achmad Daengs Hadi, Didiek Pangestu Haedar Akib Hakim Muttaqim Halik, La Ode Herman Hamidah Sari Batubara Hanafi Hanafi Handayani, Putri Bian Hannan, Suaib Hapsah, Hapsah Hapsari, Maharani Tyas Budi Harahap, Mustika harahap, mustika hana Haratua, Chandra Sagul Harsi D. Kusumaningrum Haskas, Yasir Hasriah, Hasriah Hastuti Hastuti Helmi Haris Hendro Prasetyono Herman, Sriyana Herwin Pisestyani Ikhsan Romli Imran, Herry Irmayani, Naim Iskandar Zulkarnain, Wisnu Istiadah Fatmawati Jahania, Siti Jamilah, Sri Janah, Azi Alfi JEMAH, MUHAROH Jonrinaldi Jumriani, Jumriani Karem, Nahdya Alfaina Karimy, Moh Faiz Karuehni, Ina Keumala , Cut Ratna Keumala, Cut Ratna Khazanah, Wiqayatun Khoiron, Muhammad Zidni Khoironi Firdaus , Agil KURNIA KURNIA, KURNIA Kusrini S. Kadar Lailatul Amanah, Lailatul Larisu, Zulfiah Lazim. N, Lazim. N Lea Emilia Farida Liana, Intan Liana, Intan Linda Advinda Lisma Lisma, Lisma Lusiana Handayani Luth Fimawahib Mahfudhotin, Mahfudhotin Mahrita, Ani Mairijani . Manik Mutiara Sadewa Manik Mutiara, Sadewa Mardelita, Sisca Marungkil Pasaribu MARYANA, ELSA Masita, Masita Masnur Masnur Masrilayanti, Masrilayanti Maulina, Linda Mestawaty, AS.A Meutiah, Meutiah MIRNAWATI SUDARWANTO Misnawati, Ledia MOCH ZAINUDDIN, MOCH Mudawamah, Dewi Muflikah, Ellisa Nihayatul Muhammad Massyat, Muhammad Muhammad Qorib Muhammad Rais Muhammad Saleh Muhammad Syafar Muhammad, Ikmal Mulyani, Siska MUNIYAH, MUNIYAH Muslimin Muslimin Mustaqim Mustaqim, Mustaqim Muttalib, Abdul Muzakky, Ahmad Ilham Syiham Narny, Yenny Nasaruddin Nasaruddin Nasir Nasir Nasri Nasri, Nasri Natasya Natasya Nawangsari, Nawangsari Nia Kurniawati Niakurniawati, Niakurniawati Nilda Tri Putri Ningsih, Rena Afri Novi Novi Novika, Novika Nur Hafsah Yunus, Muhammad Syaeba Nur, Arnela Nuraini, Indra Nurazizah Nurazizah, Nurazizah Nurdin Rahman Nurhafni, As Armuna Nurjannah Nurjannah Nurlaila Fitriani Nurmaulid, Nurmaulid Parawansa, Aco Parawansyah, Asrul Patika Sari, Fitri Pramesti, Regi Ardia Puji Astuti Purwanto, Aslam Raja Puspasari, Ratih Hemiarista Putra, Hendri Gusti Putri Puspitasari Putri, Amalia Yunia Putri, Depi Putri, Isria Miharti Maherni Putri, Oktaria Ardika Qoliq, M. Abdul Qoriati Mushafanah R. Rusli Rachmawati Rachmawati Rachmawaty, Rini Rahardjo, Sugeng Budi Rahayu, Sri Bintari Rahendra Herlianto, Hemdani Rahma, Nurmaulida Rahmah, Zakiyah Zulfa Rahman, Dahlan A Rahman, Framita Ramlah Ramlah Randitha Missouri Rasak, Risna Ratna Keumala, Cut Ratna Ratna Ratna Wilis Ratnasari, Aulia Putri Ratnasari, Melania Dyah Rawanggalih, Kresna Syuhada Reca Reca Retno Susanti Rifki Rifki, Rifki Rimadeni, Yeni Rina Handayani, Rina Riri Aprilia Putri Risdawati, Risdawati riswanto riswanto Ritman Ishak Paudi Riyadi Nugroho Rizky, Fadillah Roekhudin, Roekhudin Rosita Hutagaol, Uli Rozikin, Zaenur Sabila, Alfina Rahma Safar, Ade Safira, Lafie Fathya Sahabuddin, Chuduriah Saharuddin, Aco Dahrul Saleh, Ariyanti Sari Batubara, Hamidah Sari Rahmayanti Sarih, Karmila Sasmiyanto, Sasmiyanto Sastriawan, Helmi Satibi, Syawal Satriawan, Helmi Septalia Dale, Dewinny Septia, Cindy Setialaksana, Wirawan - Setyono, Fajar SHARVIANTY ARIFUDDIN, SHARVIANTY Shokhikhah, Nur Shaikhut Toharotus Sholehatun, Euis Siagian, Nurul Aini Siang Tandi Gonggo Silva, Silva Siti Aisyah Siti Fauziyah Slamet Riyadi SN, T Hartian SN, Tengku Hartian Sonya, Marta Sri Nita, Sri Sri Wahyuni, Rika Subaeda, Sitti Subuanda, Andri Putra Sugiarto, Sri Suni Hariati, Suni Supriyatman, Supriyatman Surachmi Setiyaningsih Suryani, Linda Susilowati, Henny Susilowati, Henny Syaeba, Muhammad Syamsuddin, Saidah Syamsuriyati, Syamsuriyati Syarah, Indri Tajuddin, Muh Syariat Tarihoran, Hendrawaty Tiara, Monica Tifani Hadi Tri wahyuni Titi Rohmayanti Toyeb, Muhammad Ubaidullah Ubaidullah, Ubaidullah Ukasyah, Ukasyah Umam, Muhammad Khoirul Virhan Novianry Wahid, Khairul Wahyuni, Rika Sri Wardhana, M. Yusuf Setia Werna Nontji, Werna Widada, Wahyudi Widodo Suwito Willis, Ratna Wilma Wilma, Wilma Wuryan Andayani Yensuari, Yensuari Yosritzal, Yosritzal Yuanida, Nisia Yuliana Yuliana Yulianto, Avif Yuniar Yuniar Yunus, Nur Hafsah Yuris, Evicenna Zahara, Elfi Zahara, Elfi Zahrawati B, Fawziah Zahrawati, Fawziah Zahrotul Kamalia, Antika Zainal Abidin Zariul Antosa Zatira, Sarah Zuhro, Sania Maulida Zulkipli Lessy